1. Who is the named plaintiff in the suit? Bank of America 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Stillman law office 3. How much are you being sued for? 7k 4. Who is the original creditor? (if not the Plaintiff) BofA 5. How do you know you are being sued? (You were served, right?) yes, served 6. How were you served? (Mail, In person, Notice on door) in person 7. Was the service legal as required by your state? yes Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with the people suing you before you think you were being sued? Only stillman saying that BofA may invoke its right to sue you - I called stillman to talk about it - i said I could pay later after my disability cleared - they sued anyways 9. What state and county do you live in? MI, Wayne county 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) 2013 SoL is not applicable 11. What is the SOL on the debt? To find out: 6yrs Statute of Limitations on Debts 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). suit served 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) no 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. no 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? Did not receive a questionnaire. 1. That the defendant herein is indebted to the plaintiff upon open account or pursuant to contract, and defendant accepted same. 2. Plaintiff has completed performance and defendant agreed to pay the account, copy attached. 3. There is presently due and owning, over and above all legal counter claims, the sum of $6917.91 4. Plaintiff requests judgement for $6917.91 plus court costs. Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Attached is a form from BofA simply stating my name, account number, amount owed, and the last interest charge. Is this worth it to fight since its BoA directly not a JDB? I have just been cleared for disability (is that any kind of defense?) - i was in a bad car accident and that's why I couldn't pay it...I called stillman and told him i could pay after i got cleared for disability and he sued anyways. Very scared I dont know what to do!!!